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Frequently Asked Questions

What is a First Time Home Buyer?

A first time home buyer is someone who has not owned and occupied their own home in the last three years. That means if you’ve never owned a home, you’re a first-time homebuyer. It also means that if you owned your home three or more years ago, but sold it, you are right back to being a first-time homebuyer again, and you can take advantage of all of the benefits of being a first time home buyer. Click Here For More Information…

Is Buying Better Than Renting?

Purchasing a home will help you build equity overtime and can offer tremendous tax advantages not available for those who rent. Many would then ask, why rent then? Well, renting does offer great flexibility, specially for someone who may have job uncertainty or know he/she will be moving soon. Renting might also be a form of last resort for many Americans who suffer from credit problems or just have too much debt. oftentimes renters are also intrigued by low or no maintenance costs and at times no utility bills.

So is renting a better choice? Well, lets look at the other side of the coin. As previously stated, home ownership has a tremendous advantage over renting. Besides the obvious tax advantages where mortgage interest paid on the loan as well as property taxes can be discounted, the formation of equity can also be very alluring. Knowing that with every payment made towards your monthly mortgage the more you have in equity that could be used for future expenditures or retirement.

With interest rates at record lows never has there been a better time to purchase or refinance your home. A simple decrease of 0.50% on a 30 years fixed mortgage of $350,000.00 can save you an astonishing $52,500.00 U.S.D. for the life of the loan. Click Here For More Information…

Fixed Rate V/S Variable, What's the Difference?

Fixed Rate: The interest rate on these loans will never change, hens the term “fixed.” Borrowers who benefit from a fixed mortgage are those who know that they will remain in the home for long periods of time and want the stability of knowing what their monthly payment will be every month regardless of what market interest rates do.

Variable Rate: The interest rate on these loans will change, hens the term “variable.” Borrowers who benefit from a variable mortgage are those who believe that market interest rates will be heading lower and want to benefit from a lower interest payment. Although this may seem enticing buyers/refinances should be fully aware that these loans bring a lot of uncertainty as to their future payment and they are not recommended for the average borrower.

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How Much Will My Mortgage Payment Be?

A mortgage payment is based on a few things, the loan amount, the interest on that amount and the term of the loan.

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Can I Afford to Buy a Home?

With interest rates at record lows you will be amazed on how affordable a mortgage might be. Many times people might end up paying less on their mortgage than they do on their monthly rent.

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